新加坡 | 很多人说保险是骗人的

确实,很多人对保险抱有怀疑态度,觉得保险是骗人的。这种看法可能源于一些误解或者因为个别不规范的保险营销行为导致的信任危机。但从本质上来说,保险是一种风险管理工具,用于在发生意外或疾病时提供经济支持,减轻经济负担。

以下是一些常见的误解和澄清:

1、保险公司不会赔钱
保险合同是一种法律文件,只要符合合同规定,保险公司是必须履行赔付责任的。出现纠纷的情况,很多时候是因为客户在投保时没有清楚了解保险条款,或在填写健康声明时有遗漏或误报。因此,投保时透明、如实告知健康状况非常重要。

但如果在投保时没有如实告知健康状况,可能会导致保险公司在赔付时拒绝赔偿,这是因为在保险合同中有一项非常重要的条款——如实告知义务。未能履行这项义务会影响理赔,以下是几个常见的例子,帮助说明这个问题:

举个例子

小李在购买健康保险时,保险代理人询问他是否有任何既往病史或慢性疾病。小李之前确诊过轻微的高血压,但他觉得问题不大,并没有告知保险公司。几年后,小李因心脏病住院,向保险公司提出理赔。然而,保险公司在调查后发现他在投保时隐瞒了高血压的病史,认定这是心脏病的诱因之一,因此拒绝了他的赔偿请求。

原因:小李没有如实告知健康状况,保险公司有权根据合同条款拒绝理赔。因为高血压可能与后来的心脏病发作相关,保险公司认为如果他如实告知,保费或者承保条件可能会有所不同。

 

2、保险价格太贵,不划算
保险是一种长远投资,尤其是健康和意外保障类保险。我们无法预知未来的风险,而保险的意义在于为不可预见的风险提供缓冲。如果不幸发生事故或重大疾病,保险的赔付能帮助家庭渡过难关,而不至于陷入巨大的经济压力。对于早期投保的人来说,保费通常更低、保障期限更长。

如果觉得太贵,不划算,其实可以考虑终身寿险,因为里面是含现金价值的,如果“没病退保”,可以对比一下哪一个现金价值更多。

 

3、不需要保险,存钱就够了
存钱固然重要,但对于突发的大额开销,比如住院、手术或长期治疗,依靠储蓄可能不够。保险通过分散风险,将大家的保费集中起来,为有需要的人提供帮助。而且很多重大疾病的治疗费用可能高达数十万甚至更多,单靠个人积蓄很难应对。

 

4.保险产品复杂,看不懂
保险确实有许多不同种类,条款也比较复杂,所以在选择保险时,找到专业、值得信任的保险顾问非常重要。他们可以根据个人的财务状况和需求,帮助规划合适的保障组合。

 

总结

保险的价值在于提供保障,而非简单的理财工具。如果正确选择并了解自己投保的产品,它能够在关键时刻提供帮助和支持。关键是选择适合自己的保险产品,并且在投保时清楚地了解条款和保障内容。

 

下一步?

若你想了解新加坡全方位的理财规划(包括保险/投资/资产分配),欢迎联系我, WhatsApp +65 90088276 或者微信 Yusi_Wo.

 

我是宇思,和你一起看世界。

微信:Yusi_Wo / WhatsApp:90088276
新加坡全牌照理财顾问
Representing Financial Alliance Pte Ltd
Singapore Largest Independent Financial Adviser
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Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策